28 September 2018

Learning To Drive: 7 Ways To Keep Costs Down

Defensive Driving Starts Before You Learn To Drive
Following are a number of tips to help you drive in the most effectively defensive way possible. Defensive driving will reduce your vehicular defenses substantially, but it’s just one of many strategies you can employ to achieve this result. Several more worth considering include:
1. Driver’s Education
Driver’s Ed can reduce your insurance expenses while additionally teaching you effective defensive driving techniques that are essential in an increasingly urban driving environment with an expanding population. Attending driving courses can help you pass your test more quickly, and once passed, ensure you pay the minimum necessary amount in vehicular insurance.
2. Always Insure Your Vehicle
Insurance isn’t fun, it’s costly, and let’s be honest: to a certain degree it’s a racket. You’re going to have one claim every 19 years, but you’re going to pay around $1k annually depending on the level of coverage you get. However, that’s the rules of the game, so you’ve got to play by them.
If you lapse in coverage, resuming will cost you more. Your best bet is to buy insurance initially, and retain it perpetually. If and when you switch companies, don’t let coverage lapse in the process. Also, ensure you know your legal recourse in the event of a denied insurance claim.


3. Exercise Proper Maintenance Strategy
A vehicle that is properly maintained will be less likely to break down unexpectedly in a place which is inconvenient, and costs you hundreds of dollars. Read your driver’s manual and replace components at strategic intervals. There are certain things you can take your time on by monitoring them.
Its pretty obvious when serpentine belts start to go; you can run them until they get a “look” to them which requires replacement. Sometimes it will be under the projections of your user manual, sometimes over. The more defensively and carefully you drive, the less wear-and-tear you put on a vehicle, allowing components to last longer. A good rule of thumb: drive like your grandmother.

4. Learn The Patterns Of Traffic
High traffic produces higher likelihood of collision. Avoiding traffic as best you can will reduce your likelihood of being wrecked into, costing you money directly and collaterally. You can’t avoid all traffic, but you can pay attention to patterns, and figure out secondary routes that may be longer, but take less time because they avoid traffic. Time is money, and so are repairs. Avoid wasting time and paying out the nose in repairs by reducing their need through traffic avoidance strategy.

5. Plan Your Trips Out Ahead Of Time
This point dovetails from the previous one: figure out where you’re going, and what conditions will be like when you arrive; and as far in advance as possible. Internet maps can make this a lot more simple than it used to be. Additionally, know the time of year. Avoid holiday travel during high-traffic times if possible; or at the very least, leave in the dead of night when traffic is statistically low.
6. Start With A Beater
If you’re new to driving, don’t be so foolish that you buy a new car valued at around $30k and pay it off every month. That’s just setting money on fire and dancing around it like a savage. A better strategy is to buy a cheap old beater at around $1,000. If you get a year’s worth out of it, it will have paid for itself. Also, you won’t feel so bad when you make mistakes and tear the thing up.
When it breaks down, you can either get another one, or consider investing in a finer vehicle. Unless you can drop $30k on a car directly, and not be impacted financially, it’s not a wise move to have your first car be new.
7. Buy Used
Generally, buying used is a wise tactic. The cost you’re shooting for is about $5k, and you want to pay it all off at once if you can. If you’re fastidious about maintenance, and strategic about how you drive, you’ll get the same kind of use out of a used vehicle that most people get from a new one, but you’ll save tens of thousands of dollars.

Saving Time And Money
If you’re strategic to ensure you plan your driving ahead of time, start with a beater, buy used, take classes to learn more effectively how to drive while reducing insurance premiums, learn traffic patterns, and keep your insurance up to date at all time, you’re going to reduce necessary costs of vehicle ownership.

Even so, you should expect to pay around $2k to $3k a year in terms of gas, insurance, repairs, and maintenance. Budget for that, and keep an eye on expenses. That way you’ll be able to see how well you’re saving.

26 September 2018

5 Top Tips For Pre Planning Christmas Gifts

I don't want to scare you away; but I am going to use a word that can put dread and panic into your heart.  Christmas.

Christmas you say?  It is months away, why are you talking about it now?

Quietly whispers to you, it's only 3 months....  

Well, my suddenly terrified reader, because I want you to be prepared this Christmas and not run around like a headless chicken, credit card in hand; buying presents the week before the big day.  I have been there.  I swore never again.

So here are my top tips for pre planning your gift buying for Christmas without making a mess of your finances with panic purchases.  If you plan ahead, Christmas doesn't have to be that stressful.  I promise.


Lists Are Your Friend

So you have had a (hopefully) lovely Christmas with friends and family.  A few too many festive wines, waaaay too much chocolate and the last thing you want to think of is next year's Christmas planning.  My first tip.  Have a break first, leave your planning till February.

Next, make a list of the usual family and friends that you will be buying a present for.  Add in a miscellaneous gift to the list.  For the person who invariably turns up with an unexpected gift that you want to reciprocate.

Alongside the name of each person, write an amount that you are happy to spend on them and will stick to.  Now you have a budget that you can save for each month.  Add another £50 to it marked Christmas.  Trust me.

Take Advantage of Post Christmas Sale Items

OK now I know I told you to wait a couple of months to think about Christmas, but buying some dirt cheap wrapping paper on sale and maybe a few cards isn't going to kill you in January, right?  I much prefer my money to go on the contents, not in its wrapping.

What Do Women (Men & Children) Want?

It's June.  You made your list a couple of months ago, you've started saving.  You are ahead of the game.  Now is the time to start thinking about things that you want to buy.  Write them on your list.  Check out the latest deals, find out when the sales are.  That watch you want to buy for your boyfriend for example sounds a lot better at £50 in a sale than £100 two days before Christmas doesn't it?


Live By The List, Don't Die By The List

It's September.  Hopefully by now your Christmas saving budget is going well.  You have bought a few presents.  You are on track.  But are you?  Sometimes you can plan all you want and then you might have a couple of rough months financially and your saving isn't quite where it should be.  Don't panic.  You have time.

People appreciate the thought of a present and the time spent coming up with a great gift more than the amount it cost.  If you need to make changes, reduce your budget or maybe have that conversation with a friend about maybe not swapping gifts this year, it is okThe world will not end.

Time To Wrap It Up

It's the end of November.  Finish your shopping, wrap your presents.  You are set.  

The next few weeks will be distributing gifts, office parties and impromptu "hey lets go for a drink, it's Christmas" invitations.   Things that you haven't accounted for in your Christmas saving budget.  That is what you will spend your extra £50 on.  You will, without a doubt, end up spending more, but at least you have a little buffer for some fun.

So that's it!  My pre planning for Christmas tips!  Let me know what your tips for Christmas planning are.



*Collaborative piece

20 September 2018

Letting The Words Out

I've had my blog for eight years now.  It started as a diary of sorts and over the years it has worn a variety of hats on different subjects.  It helped to fuel my body positive journey, it forced me out of black clothes into colour; it let loose my imagination and freed the words that were always in my head, but never came out.  It fueled me to write my opinion pieces and later, for the past couple of years, it has given me an out of hours income aside of my full time job.


The problem is that when you start to write commercially, when you focus your spare time on writing for someone other than yourself; the words that always flowed so freely before are forced into a particular mindset and your thoughts are pushed to one side.

Although I will still have my commercial side, although to a smaller aspect now, I want to really write again.  I want to rant again.  I want to share the thoughts that somehow come out so freely on my blog, especially when I wouldn't say them out loud.  I want to talk about current affairs, the silly things that enter my mind and talk about the parts of my soul that only come out when I write, unedited.

Right now, I am barely blogging.  I have fallen out of the habit of opening up my laptop every night.  Blog ideas that I used to jot down during the day don't appear.  I used to be able to come up with a subject and practically have the post drafted in my head by the time I got home.  Not now.

The thing is, I remember how much I love writing here, as soon as I start to type.  As I write this post now, the smile appears on my face and parts of my brain wake up again. 

There certainly isn't a shortage of things to talk about in current climes! I recently did a post about non platforming which got my brain juices flowing again. 

I think the answer to my non writing period is that I need to get back into the saddle properly.  I need to write, every day, about something.  Not necessarily a full blog post piece, sometimes just a paragraph.  About anything.

I need to be excited about writing again because I can't put aside something that I love to do just because life gets in the way.  So hopefully, there will be many more posts to come.